It's tempting to say house prices and interest rates are opposite sides of the same coin, but the situation is messy. I mean ultimately what I want is to pay 3

It's tempting to say house prices and interest rates are opposite sides of the same coin, but the situation is messy. I mean ultimately what I want is to pay 35-40% of my take home salary on a mortgage, just I like I pay now in rent. The reality is though, here in the UK, that I need to save 2-3 years of take home pay, to put down on a deposit for a mortgage that will see me pay 50% of my take home pay, and I will still end up living in an inferior property to what I'm renting. Meanwhile my landlord, who bought the place I'm in the 90s, is making a profit.